Pathetic excuses for a "banking app"

I've been banking with Capitec from 2018. Unfortunately I cannot get credit from my own bank. As I have tried to get the estimate on my cellphone app and It says I don't qualify and the reasons is loan prevention *****. What bullsh@t is this. I am applying from my own app. Other banks have no problems offering services of credit cards, home loans and car finance. This bank gives out faults advertising when they say you don't have to visit a branch. This is poor service and I will be moving to another bank.